Peter Pru Podcast Show
I’m Peter Pru (Peter Prusinowski), and I teach busy people how to build income from the stock market without the hype, the day-trading, or staring at charts all day.Here you’ll find plain-English breakdowns of the strategies I actually use: cash-secured puts, covered calls, the wheel, dividend investing (SCHD and friends), covered-call ETFs like JEPI, and building a real monthly income floor. Some weeks that’s options. Some weeks it’s dividends or ETFs.It’s all the same goal, steady income, built slowly and on purpose. No screenshots of giant accounts. No income claims. No “get rich by Friday.”...
The 401k Number Fidelity and Vanguard Don't Want You to See
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0:00 Intro
0:52 What Fidelity and Vanguard report
1:36 Average vs. median by age
2:43 What it pays per month
4:11 Free course
4:32 Where "average" really sits
5:16 Time in the plan
5:39 Tool 1: the employer match
6:10 Tool 2: catch-up contributions
6:45 Bottom line
Peter Pru (aka Peter Prusinowski) is the founder of Option Seller School — a community teaching real people how to generate premium selling options. He’s also the VP of Capit...
QQQI Had Zero NAV Erosion...Then This Happened
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Intro 0:41 What QQQI is
1:34 Round 1: The share price
2:45 Round 2: Against QQQ
3:03 Two very different halves
4:23 October 6: zero erosion
4:54 How NAV erosion really works
5:39 Return of capital
6:09 Who QQQI fits
7:02 Bottom line
Peter Pru (aka Peter Prusinowski) is the founder of Option Seller School — a community teaching real people how to generate premium selling options. He’s also the VP of Capital Marketing at an agentic...
SCHD Is Up 34% in a Year : Is It Too Late to Buy?
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0:00 Intro
0:43 Quick setup: SCHD
1:03 Why "dead money"
1:35 Round 1: The yield you lock in
2:22 How long to catch up
2:55 Round 2: Buying at the top
3:26 SCHD's own record highs
4:19 Free course
4:43 Lump sum vs. dollar-cost averaging 5:39 Two catches
6:14 What it means for your money
7:01 Bottom line
Peter Pru (aka Peter Prusinowski) is the founder of Option Seller School — a community teaching real people how to...
How Much Of Your Portfolio Should Be In Covered Call ETFs?
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0:00 Intro
0:43 Quick lineup: JEPI and VOO
1:17 Round 1: Income vs. what's left
2:21 Round 2: The crash and the rally
3:28 Free course
3:47 The test: sell VOO for the same paycheck
4:44 Worst-case start: Jan 2022
5:29 What it means for your money
6:13 How I size it
6:27 Bottom line
Peter Pru (aka Peter Prusinowski) is the founder of Option Seller School — a community teaching real people how to generate premium...
Best Wheel Strategy Stocks Under $20 Right Now
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0:00 Intro
0:46 How the wheel works
1:32 My 4 checks
1:56 Ford, Huntington, Vale
3:20 SoFi vs. Ford premiums
4:03 Nu Holdings
4:25 Stock #6
4:42 Free course
4:58 AGNC: 16% yield, 10-year chart
6:33 Which one fits you
7:11 How I think about it
7:43 Your turn
SCHD vs 5% Treasuries: Which One Actually Pays You More?
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0:00 Intro 0:26 Treasury vs SCHD: what you get
1:10 SCHD's dividend growth 1:36 Yield on cost
2:10 Taxes
3:09 Free course 3:30 What each side is betting on
4:19 Why I don't hold Treasuries
4:43 Who should pick which
5:03 Your take
I Compared SPMO and QQQM for 5 Years (Here's Who Won)
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0:00 Intro
0:40 Quick lineup: QQQM and SPMO
1:38 Round 1: Growth
2:25 Round 2: What you own 4:03 The 2 years I skipped
5:13 Drawdowns and the 2025 selloff
5:52 What it means for your money
6:47 Bottom line
How I'm Building A High Yield Dividend Income Portfolio In 2027
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The S&P 500 is paying you about 1% in dividends right now, near the lowest it’s been in 150 years of data, and that one number explains why so many people are quietly building separate dividend portfolios. This video breaks down the 2026 twist: value-oriented dividend strategies have outpaced growth for the first time since 2022, with $34 billion flowing into dividend ETFs through July, and then lays out the real choice between high yield today and divide...
DGRO vs SCHD vs VIG: Which Dividend ETF Wins Over 10 Years?
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In todays video you will learn about:
0:00 Intro
0:40 Quick lineup: DGRO, SCHD, VIG
1:13 Round 1: Total return
2:28 Round 2: Income
2:52 How each index picks stocks
3:57 Dividend growth
4:32 Why DGRO really won
5:52 Which fund fits you
6:52 Bottom line
The FIRE Movement Won’t Work Like It Used To (Here’s Why)
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The 4% rule was built on historical market returns at normal valuations — the CAPE ratio is now at 41, CPI came in at 3.7%, and FIRE retirees are often planning for 50 years instead of the 30 the original math assumed, and all three of those headwinds are hitting the same rule at the same time. This video breaks down why the mechanism matters more than the number: the 4% rule is a liquidation strategy, and selling shares to cover...
The $1,000 A Month Dividend Reality (Here's The Real Math)
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Everyone tells you it takes $375,000 to make $1,000 a month in dividends — someone else shows you $84,000 does it with QQQI, and both numbers are real, but the 84 grand path comes with a cost basis clock most people don’t see until it matters. This video breaks down the three trade-offs QQQI content skips: the return of capital eventually erodes your cost basis to zero in roughly seven years on a large position, at which point the...
5 Levels of SCHD Investor (Which One are YOU?)
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There are five types of SCHD investors and most of them are stuck at level two — not because they don’t have enough money, but because they don’t know levels three, four, and five exist. This video breaks down all five: from the curious investor with 10 shares learning how dividends work, to the operator running covered calls on 500 to 2,000 shares, to the architect where SCHD is just the income floor underneath a full sy...
How To Live Off Dividends Starting In Your 40s or 50s (Here's The 2026 Math)
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If you’re in your 40s or 50s and haven’t started building a dividend income portfolio, the internet will make you feel like the window has closed — and the math says otherwise. This video runs two concrete scenarios: starting at 45 with $50K saved and $1,000 a month gets you to roughly $624K at 60, generating $20K in dividends plus another $25K in options premium from the same capital, about $3,700 a month combined. The options layer is...
The Barista FIRE Lie: Why Most People Are Doing It Wrong
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I’m never going to fully retire — and that’s not the plan, it never has been — but the Barista FIRE framework is the closest concept I keep coming back to, and the version most content describes gets 90% right and misses the one piece that determines whether it actually works. This video breaks down the math on a $650,000 portfolio generating $20,000 a year in dividends plus $19,000 to $26,000 in options premium at a conservative 3-4% annual rate — two...
4 Ways to Make Money From ONE Stock (Most People Only Know #1)
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Most people make money from a stock exactly one way — the day they sell it for more than they paid — and that’s income event number five out of five. This video breaks down all five: cash secured put premium before you own a single share, collateral interest on the cash sitting in your account while the trade is open, dividends the moment you get assigned, covered call premiums while you hold, and capital ga...
I Bought 1 Share of SCHD and THIS Happened
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Every time you buy a single share of SCHD, a mechanical process starts that most investors never think about — the dividend reinvests, the fractional share earns the next dividend, the dividend itself grows as the underlying companies raise their payouts, and the whole thing compounds without you doing a single thing. This video walks through exactly what happens from that first $33 share forward, including the shift that happens at 100 shares when a covered call l...
Is GPIQ the Most Underrated Nasdaq 100 Income ETF?
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There’s a Nasdaq 100 income ETF with nearly 10% yield, 20% total return year-to-date, and $6 billion in assets — and most dividend investors have never heard of it. This video breaks down the structural difference that actually matters between GPIQ and JEPQ: JEPQ uses equity linked notes with a bank as counterparty, GPIQ sells calls directly with the options exchange clearing every transaction, and that difference is worth understanding before you decide which one belongs in which a...
$3,000 a Month in Retirement - How Much Do You REALLY Need?
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The 4% rule says you need $900,000 to generate $3,000 a month in retirement — but the average Social Security check is $2,087, which means your portfolio only needs to cover $913, and at 4% that’s $274,000, not $900,000. This video breaks down three completely different versions of that math depending on when you claim and your benefit amount, including a married couple scenario where combined Social Security already covers the target before touching a dollar of savings. The number every retir...
The AI Sell Off is HERE: 3 Stocks I'm BUYING This Dip
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Chip stocks just had their longest losing streak in 16 years — eight consecutive down sessions, the semiconductor ETF down 14% from its October high — and I bought three positions into it, not because I think AI revenue hits its targets next quarter, but because the market treated a timing concern and a thesis change as the same thing. This video breaks down exactly what I bought and why: SOXX for broad semiconductor exposure across all 30 name...
Dividend Stocks vs Growth Stocks: Here's The One That Wins
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Most investors compare dividend stocks to growth stocks by looking at price charts — and the second you compare price alone, you’ve already missed the entire point. This video breaks down the number that should stop you cold: $10,000 in the S&P 500 in 1960 with no dividends reinvested grows to roughly $1.14 million by 2025 — the same $10,000 with every dividend reinvested grows to $7.58 million, same index, same stocks, six and a half times more money. The yield tra...
Average Net Worth by Age 55, 60, 65 (Where Do You Stand?)
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The average net worth for Americans between 55 and 64 is $1.56 million — the median is $364,000, and those two numbers are almost four and a half times apart because a small group of ultra-wealthy households distorts the mean into something useless as a personal benchmark. This video breaks down what the Federal Reserve data actually shows by age group, why a significant portion of that median number is home equity rather than investable assets, and why Social S...
Dividend Stocks vs S&P 500: 50 Years of Data Finally Settles It
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Dividend investors who collected and reinvested through the lost decade of the 2000s scraped out roughly 2% annually while pure price investors ended the decade with less than they started — and almost nobody talks about that number when they’re arguing for growth. This video runs 50 years of Ned Davis data showing dividend growers averaged 10.22% annually with significantly less volatility than non-payers, then walks through why the 2010s flipped the script entirely and what 2026’s ro...
Over 40? How To Make Money In The Stock Market As A BEGINNER in 2027
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92% of professionally managed funds fail to beat the S&P 500 over 15 years — and those are people with Harvard MBAs getting paid millions to do it full-time, which means trying to outthink them is not where a 40-something beginner should start. This video breaks down the three-phase sequence most beginner investing content gets completely wrong: foundation first with a low-cost index fund, income floor second with dividend and covered call ETFs, active income third wit...
Buying 1000 Shares Of SCHD: Here's The Dividends It Pays
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1,000 shares of SCHD at today’s price costs roughly $33,000 and pays about $88 a month in dividends — but at the fund’s historical 9.3% dividend growth rate, that same share count pays around $520 a month in year 20 without buying a single additional share. This video runs the full income math at 5, 10, 15, and 20 years, then shows what happens when you layer covered calls on top: 10 contracts generating $300 a month adds roughly $3,600 a year, pushing the effective yield...
Investing $5 a Day Into VOO For 1,000 Days (Here's What Happened)
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$5 a day in VOO for 1,000 days turns $5,000 into roughly $6,500 — and that number isn’t the point. This video breaks down what actually happened inside that experiment: 45% of trading days the account was lower than the day before, and every Fed decision, election headline, and market pullback was a reason to stop, and the people who capture the 10 and 20-year returns aren’t the ones who picked the right moment to enter — they’re the ones who t...
I Compared 4 AI ETFs In 2026 (Only One Clear Winner)
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In the first half of 2026, the best performing AI ETF returned 122% and the worst returned 1% — both used the word “artificial intelligence” in their names, and most investors assumed they were buying the same thing. This video breaks down what actually separated them: AIS focused on infrastructure and semiconductors, CHAT required 50% of revenue from generative AI as a quality screen, AIQ spread across the broad ecosystem, and BOTZ bet on physical robotics that moved on a comp...
If You’re 40–60, How Much Money Do You Really Need to Retire?
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The median American between 55 and 65 has $89,000 saved for retirement — the Fidelity benchmark says they should have closer to $600,000, and most of them are 10 years or less from the retirement they’re imagining. This video breaks down why the “how much do I need” question is actually three questions — what you’ll spend, what Social Security will cover, and how many income streams you can build before you stop working — and why a $1,500 monthly dividend in...
8 Boring Investments That Will Still Be Paying You In 30 Years
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Realty Income has made 667 consecutive monthly dividend payments — not one missed, through recessions, COVID, rate hikes, and every market crash in between — and nobody makes a YouTube video with a Lamborghini in the background talking about it, which is exactly the point. This video breaks down eight investments that do what they’re supposed to do quietly and consistently, from high-yield savings accounts paying 4.2% while big banks still pay 0.01%, to Treasuries, VOO, SCHD, Realty In...
What $500,000 In SCHD Actually Pays You Per Month (Is It Enough To Retire?)
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To generate $3,000 a month from SCHD dividends at today’s yield, you need roughly $1.12 million — and most people searching “retire on SCHD” are thinking about a number much smaller than that. This video runs the honest income math at different position sizes, explains why the current yield is the wrong number to focus on, and makes the case that SCHD’s real job is growing your income over 10 to 15 years while something else handles t...
6 Best Growth & Dividend ETFs in 2026 (Retire FASTER!)
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Six growth ETFs, one comparison most people get wrong — VGT has the best 10-year return of any fund on this list at 24.5% annualized, beating QQQ by 3 full points, and SPMO is the 2026 leader at 28.5% year-to-date despite just reshuffling 40% of its portfolio in a single reconstitution most holders didn’t notice. This video breaks down what each of the six actually is, why QQQ and QQQM are the same exposure at different prices with a real...
SOFI Is Down 53% From Its Highs (Here's My Plan)
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SoFi's revenue is up 42.5% year over year and the stock is down 43% in 2026 — and both numbers are real, which means either something is broken or the market is pricing in a risk the financials haven't shown yet. This video breaks down what actually worried traders after a beat on both the top and bottom line, why the reinvestment thesis requires patience the market isn't granting, and what selling covered calls month after month does...
99% of Investors Miss The Real AI Trade (My Full Plan)
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AI data centers can be built in two to three years, but getting them actually connected to the electrical grid takes four to ten years — and that timeline gap is the most underappreciated constraint in the entire AI build-out narrative. This video breaks down the full bottleneck chain that determines whether AI can actually scale: cooling systems that are architecturally obsolete for modern rack densities, regional grids that weren't designed to absorb a small c...
The ONLY 5 ETFs You Need for F.I.R.E (Retire Early)
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The "buy VOO and chill" advice gets you to the number — it just doesn't tell you what happens the day you actually stop working and a bad market year forces you to sell shares at exactly the wrong time to cover your living expenses. This video breaks down a five-fund framework built around three jobs — accumulate with SPY and QQQ, build a growing dividend floor with SCHD, and layer in monthly income from JEPQ i...
This ETF is CRUSHING VOO Should You Switch? (SPMO vs VOO)
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SPMO is up 28.5% this year while VOO is up 11 — a 17-point gap from the same pool of S&P 500 stocks, and the same reason that gap exists is the exact reason it can unwind fast when leadership rotates and the fund can't move for six months. This video runs the honest numbers: the 10-year outperformance is real, the $225,000 gap on $100K is real, and so is the 1.35 beta and 47% more volatility that comes with...
SCHD vs GPIX vs OVL: Which One Builds The Most Wealth Long Term
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SCHD yields under 3% and in 2026 it's up 29% on total return — beating both OVL and GPIX, which are paying 8% or more in income, and that's not a coincidence, it's the whole point of understanding what each fund is actually built to do. This video breaks down the real structural difference between a covered call overlay, a put spread overlay, and straight dividend equity — and why OVL's 1% SEC yield versus its 8-10% distribution headline is the nu...
What Happens If You Invest $10k In The 4 Best Fidelity Index Funds
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Fidelity has two index funds that charge exactly 0% — and when you spread $10,000 across all four of their best index funds, your total annual fee is less than a dollar and a half. This video breaks down why the free funds are compelling, why the $1.50 difference between 0% and 0.015% is essentially meaningless over 10 years, and the one catch almost nobody mentions — FZROX and FZILX can't be transferred to another brokerage without selling first, which in a taxable...
How to Retire Early at 50 With $2M (And Safely Spend $120K/Year)
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The 4% rule says $2 million gives you $80,000 a year — but I need $120,000, and a 6% withdrawal rate over a 40-year retirement carries real depletion risk that most early retirement plans don't account for. This video breaks down why the math only works if the portfolio generates the income rather than slowly gets emptied, and the three things most early retirement plans completely miss — the healthcare gap before Medicare, the five-year penalty window before the Rule of 55 kic...
SCHD's Dividend Growth Just Hit Its Lowest Point in Years (Time To Sell?)
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SCHD's Q3 dividend just landed at 26 cents a share, and through three quarters of 2026 the dividend growth rate is under 1% — not the 8% most holders were expecting. This video breaks down what actually happened, why the Q3 number improved from Q2, and why December 9th is the date that matters most right now for understanding whether this is a one-year blip or something worth paying closer attention to. The fund isn't broken — but 2026 is a remi...
Is SPMO Still Worth It? The Truth About The Reconstitution
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SPMO's September reconstitution just removed Nvidia — up over 30% in the past year — and replaced it with Apple, and if that sounds backwards, this video explains exactly why it isn't. The fund doesn't care about analyst upgrades or your feelings about a stock, it just follows a 12-month trailing momentum score, and when Nvidia no longer ranked at the top of that scorecard, the process took it out with zero emotion. The real risks here ar...
OVL: The NEW Dividend ETF EVERYONE Is Talking About! (Here's Why)
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OVL shows a distribution yield of 8-10% but the fund's actual 30-day SEC yield is 1% — and that gap isn't a scam, it's a structure, but it means something very specific about what you're actually buying. Most OVL content treats it like a covered call fund, which it isn't — it runs a put spread overlay that keeps full upside participation but adds amplified downside in bad markets, the exact opposite of what most people want f...
